xii

DAFTAR ISI

HALAMAN JUDUL ............................................................................ i

HALAMAN PERSETUJUAN PEMBIMBING ................................. ii

HALAMAN PENGESAHAN .............................................................. iii

HALAMAN MOTTO DAN PERSEMBAHAN ................................ iv

HALAMAN PERNYATAAN KEASLIAN KARYA ........................ v

HALAMAN PERSETUJUAN PUBLIKASI ..................................... vi

ABSTRAKSI ......................................................................................... vii

ABSTRACT .......................................................................................... viii

KATA PENGANTAR .......................................................................... ix

DAFTAR ISI ......................................................................................... xii

DAFTAR TABEL ................................................................................ xv

DAFTAR GAMBAR ............................................................................. xvii

DAFTAR LAMPIRAN ........................................................................ xviii

BAB I PENDAHULUAN

A. Latar Belakang .................................................................. 1

B. Rumusan Masalah ............................................................. 6

C. Tujuan Penelitian .............................................................. 7

xiii

D. Manfaat / Kontribusi Penelitian ........................................ 7

E. Sistematika Penulisan ....................................................... 7

BAB II LANDASAN TEORI

A. Pengertian Literasi Keuangan ........................................... 10

B. Dimensi Literasi Keuangan .............................................. 11

C. Usaha Mikro Kecil dan Menegah ..................................... 13

D. Karakteristik Usaha Mikro Kecil dan Menegah ............... 14

E. Perkembangan UMKM ..................................................... 15

F. Kerangka Pemikiran .......................................................... 16

G. Literasi Keuangan dan Pengembangan UMKM ............... 17

BAB III METODE PENELITIAN

A. Jenis Penelitian ................................................................. 20

B. Populasi dan Sampel ......................................................... 20

C. Jenis Data Penelitian ......................................................... 21

D. Teknik Pengumpulan Data ................................................ 21

E. Definisi Operasional Variabel dan Pengukurannya .......... 21

F. Teknik Analisis Data

1. Statistik Deskriptif ..................................................... 24

2. Uji Validitas dan Reliablitas ...................................... 24

3. Uji Asumsi Klasik ....................................................... 28

4. Uji Hipotesis ............................................................... 29

xiv

BAB IV PEMBAHASAN

A. Hasil Pengumpulan Data Penelitian ................................. 30

B. Hasil Analisis Data

1. Analisis Deskripsi ........................................................ 30

2. Uji Validitas dan Reliabilitas ....................................... 34

3. Uji Asumsi Klasik ......................................................... 38

4. Uji Hipotesis ................................................................. 39

C. Pembahasan ...................................................................... 40

D. Implikasi ........................................................................... 41

BAB V SIMPULAN DAN SARAN

A. Simpulan ........................................................................... 43

B. Saran ................................................................................. 43

DAFTAR PUSTAKA

LAMPIRAN

xv

DAFTAR TABEL

Tabel 1.1 Perkembangan UMKM di Indonesia Tahun 2010-2013 ........ 3

Tabel 4.1 UMKM Pempek Berdasarkan Kecamatan ............................. 30

Tabel 4.2 Hasil Jawaban Responden Variabel Literasi Keuangan ........ 31

Tabel 4.3 Skor Rata-rata Dimensi Teknologi ......................................... 33

Tabel 4.4 Skor Rata-rata Dimensi Pengembangan Pasar ........................ 33

Tabel 4.5 Skor Rata-rata Dimensi Sustainable ....................................... 34

Tabel 4.6 Hasil Uji Validitas Pre-Test Literasi Keuangan ..................... 35

Tabel 4.7 Hasil Uji Validitas Literasi Keuangan ................................. 36

Tabel 4.8 Hasil Uji Validitas Pre-Test Pengembangan UMKM ......... 37

Tabel 4.9 Hasil Uji Validitas Pengembangan UMKM ........................... 37

Tabel 4.10 Uji Reliabilitas Pre-test Untuk Variabel Literasi Keuangan

dan Pengembangan UMKM ................................................... 38

Tabel 4.11 Uji Reliabilitas Untuk Variabel Literasi Keuangan dan

Pengembangan UMKM .......................................................... 38

Tabel 4.12 Uji Normalitas Residual Data ............................................... 38

xvi

Tabel 4.13 Uji Heterokedastisitas ........................................................... 39

Tabel 4.14 Uji t ....................................................................................... 39

Tabel 4.15 Keofisien Determinasi........................................................... 40

xvii

Daftar Gambar

Gambar 2.1 Kerangka Pemikiran ........................................................... 16

xviii

DAFTAR LAMPIRAN

Lampiran 1 Kuesioner Penelitian

Lampiran 2 Daftar Sampel UMKM

Lampiran 3 Hasil Jawaban 30 Responden Pre-Test Variabel Literasi Keuangan

Lampiran 4 Hasil Jawaban 100 Responden Variabel Literasi Keuangan

Lampiran 5 Hasil Jawaban 30 Responden Pre-Test Variabel Pengembangan

UMKM

Lampiran 6 Hasil Jawaban 100 Responden Variabel Pengembangan UMKM

Lampiran 7 Hasil Uji Validitas Pre-test Variabel Literasi Keuangan

Lampiran 8 Hasil Uji Validitas Variabel Literasi Keuangan

Lmapiran 9 Hasil Uji Validitas Pre-test Variabel Pengembangan UMKM

Lampiran 10 Hasil Uji Validitas Variabel Pengembangan UMKM

Lampiran 11 Hasil Uji Reliabilitas Pre-Test Variabel Literasi Keuangan

Lampiran 12 Hasil Uji Reliabilitas Variabel Literasi Keuangan

Lampiran 13 Hasil Uji Reliabilitas Pre-Test Variabel Pengembangan UMKM

Lampiran 14 Hasil Uji Reliabilitas Variabel Pengembangan UMKM

Lampiran 15 Uji Normalitas Residual Data

xix

Lampiran 16 Uji Heterokedastisitas

Lampiran 17 Uji Hipotesis

Lampiran 18 Kartu Bimbingan Skripsi